Portfolio Investments.

In control.

You have the option to make changes to your portfolio as you see fit.

At a Glance

What Is It?

Investment Fund (Unit Trust or OEIC)

  • A unit trust is a form of ‘collective investment’, it allows you to put money together with other investors’ money in a large scale fund.
  • The fund is split into units, with your portion of the fund shown by how many units you hold.
  • The units vary in price in direct relation to the value of the fund’s assets. When the value of the assets grows, so does the price of your units. When the value of the assets falls, so does the price of your units.
  • As more money is invested, the assets increase and new units are created. The value of these units directly reflects the value of the underlying assets.
  • Open Ended Investment Company (OEICs) investments work in a very similar way to unit trusts except that an OEIC has a different legal structure.

ISA (Individual Savings Account):

  • Enables you to invest in unit trusts and OEICs but subject to different tax rules.
  • You don’t pay income tax or capital gains tax on any money you take from an ISA.
  • A maximum of £20,000* can be invested in our ISA for the 2017/2018 tax year.
  • The ISA we offer is a stocks and shares ISA. This allows you to invest in different types of assets including shares, property, and government or company bonds.
  • For more information on these products please refer to the Investing with IPS  PDF: 333KB document.

* This includes any money put into a cash ISA during this tax year.

Consider If...

  • You wish to invest a lump sum of at least £20 per fund, and/ or a regular monthly contribution from £20 per fund.
  • You are prepared to invest for the medium to long term.
  • You want to spread your risk by investing in a diversified portfolio of investments.
  • You want access to a researched panel of funds.
  • You would like the ability to view existing investments on the Investor Portfolio Service.
  • You want to have the freedom to switch your funds at any time.

RISKS AND COMMITMENT

  • The value of an investment and any income you take from it can fall as well as rise and you may get back less than you invested.
  • Each unit trust and OEIC has its own risks detailed in the individual Key Investor Information Documents (KIID). Before you invest, you must read these documents.
  • The tax efficiency of ISAs is based on current tax law. The tax efficiency may not be maintained in the future. The benefit of the tax treatment depends on individual circumstances.
  • You can invest from as little as £20 per month or a lump sum of £20.
  • Although there is no fixed term, you should be prepared to hold this investment for five years or longer and ideally not tie yourself to a fixed end date.

 

Key documents

Investing with IPS
PDF: 545KB
Using IPS
PDF: 2.97MB

Fund performance.

Helpful guides

Using IPS
PDF: 2.97MB